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... adding Earthquake or Flood insurance to your Homeowners protection? &# 160 &# 160 Do you currently have either a burglar, fire, or smoke alarm in your home? Do you own a second home or any other real property, such as a cabin, farm property, or any income-producing property? Are you currently engaged in any form of farming or ranching? Do you conduct any business or give private lessons in your home? Do you own a home computer? Would you be interested in an Umbrella or Excess Liability ... that extends your Automobile and Homeowners Liability coverage to $1 million or more? &# 160 Signature ____ Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to join? Need insurance for you, your business or your family? Get quality appointments - Save yourself a whole lot of time & money when you use our directory of carriers, wholesalers and service providers. Negotiate lucrative contracts with carriers and wholesalers. Net result. More revenue for your agency! Clients & ... #160 Would you be interested in adding Earthquake or Flood insurance to your Homeowners protection? &# 160 &# 160 Do you currently have either a burglar, fire, or smoke alarm in your home? Do you own a second home or any other real property, such as a cabin, farm property, or any income-producing property? Are you currently engaged in any form of farming or ranching? Do you conduct any business or give private lessons in your home? Do you own a home computer? Would you be ...

...estionnaire makes that review quick and efficient. Please take a moment to answer the questions and return the questionnaire in the enclos... Would you like to meet, and review all of your protection? Plea...

...d Personal Insurance Renewal Review and return it to me within 10 days. Shoul...anges are required, order from company and set up suspense in computer (see en...

...s such as unique dishes, figurines, and so on? ...ty policy that extends your Automobile and Homeowners Liability coverage to $1...

... fishing equipment, toys, and animals. The key is that the clothes are Western-style or work clothes ranchers and farmers like. The toys are things like tractors, plastic animals, and trucks. Store B found that it can sell its customers almost anything related to farms and ranches. Small independent agencies can thrive by identifying a type of business that large agencies inadequately service. Identify a group of clients, become experts in their business and their needs-and sell them all the coverages they require. Independent agencies, even small ones, ... have a bright future. They need to do something special like the two small hardware stores. Offer better service related to a specific product or offer better service to a select group of customers-and you can sell those customers everything. Chris Burand can be reached at Burand & Associates, LLC, PMB 345, 1829 S. Pueblo Blvd., Pueblo, CO 81005, (719) 485-3868, fax (719) 485-3895, E-mail [email protected] , or Web site www.burand-associates.com . Login or Register (for FREE) to ... has the right part. I can never find what I'm looking for in the big store. Small independent agencies can survive if they focus on selling specific products better than the competition. For example, if a small agency can prove that it writes small contractors' Property policies better than anyone else, it will write a lot of them-and leave the small contractors' Health insurance to someone else. Being all things to all people is impossible. Local hardware store B didn't suffer any sales downturn when the big hardware store opened, ...

... or smoke alarm in your home? &# 160 &# 160 11.Would you like an estimate of your home's replacement cost at today's prices? &# 160 &# 160 12.Do you own a second home or any other real property, such as a cabin, farm property, or any income-producing property? &# 160 &# 160 13.Are you currently engaged in any form of farming or ranching? &# 160 &# 160 14.Do you conduct any business or give private lessons in your home? &# 160 &# ... 15. Would you be interested in an Umbrella or Excess Liability policy that extends your Automobile and Homeowners Liability coverage to $1 million or more? &# 160*Coverage for questions 1-7 may be limited or excluded under your policy. OTHER PERSONAL INSURANCE YES NO &# 160 &# 160 1. Do you have Disability Income insurance in case you become sick or disabled? &# 160 &# 160 2. Are you concerned about estate taxes? &# 160 &# 160 3. Do you have a Mortgage ... have either a burglar, fire, or smoke alarm in your home? &# 160 &# 160 11.Would you like an estimate of your home's replacement cost at today's prices? &# 160 &# 160 12.Do you own a second home or any other real property, such as a cabin, farm property, or any income-producing property? &# 160 &# 160 13.Are you currently engaged in any form of farming or ranching? &# 160 &# 160 14.Do you conduct any business or give private lessons in your ...